it's a very useful and easy to use site. also with the president's plan is the income based repayment plan. this is if you're working and you're having trouble making those payments because your salary is so low, go to ibrinfo.org and more information there on the plan and how to use the plan. the key thing here i think is the biggest change isn't to that actual plan but the fact out out there, we are learning more about it because folks need to know. >> what is this other website? fin aid? >> it's a fantastic free site deep with information as to where to go and find out what is subsidized versus unsubsidized and what is better and what loans to get and scholarships and grants. you want exhaust all of those options and do a ton of work. you have to be a really informed consumer. as much time as you spend on buying a house, a car, you can spend as much time on these. >> the federal loans a number of different types fall under that category. >> you want to look for words like stafford, grad plus, direct loans. perkins loans.